Business Plan for a LLC

Vision Statement

Provide an alternative and innovative service for Internet and non-internet users to advertise their yard sales to the public via the World Wide Web.

Statement of Purpose

Yardsales.com seeks to start as a partnership by having each partner contribute to equal a total of $21,000. Our business will be to provide Internet advertising for yard sales. The monies will be used to purchase technical equipment, maintain the Internet web site, advertisement and provide a cash flow capital for running a part-time business. Our long-term goal is to expand our business to other cities and eventually to other states. This would provide us the ability to branch out from a part-time to a full-time business. As we take on additional responsibility, we will re-evaluate the need to incorporate.

Partnership Agreement

We the undersigned hereby set up a general partnership and agree the company to have the following partnership agreement:

Company Name and Domicile

The name of the business will be Yardsales.com with the business being managed in the City of Phoenix, Arizona in what is called a virtual office of each of the partners.

Branch of Business

The company’s branch of business is using the Internet to provide an alternative means of advertising yard sales using the World Wide Web.

Partnership Agreement cont.

Partners

The partners of the company are:

John Dillinger

Zack Morris

Steven Segal

Each partner is a resident of the city of Phoenix, state of Arizona and a U.S. citizen.

Contributions

The partners shall contribute to the partnership as equity capital the following sums:

	5,000.00	US Dollars
	4,000.00	US Dollars
	4,000.00	US Dollars
	4,000.00	US Dollars

The partners will have a share to the company’s assets in proportion to each of their contributions.

Management & Decision Making

The partnership is managed together by all existing partners. All issues not separately mentioned in this agreement are to be resolved by the partners as defined in the Human Resource Plan.

Writing the Company Name

All of the partners have authorization to write the company name.

Allotment of Profit

The profit from the partnership will be shared between the partners in proportion to their contributions to the equity capital.

Partnership Agreement cont.

Covering of Losses

In the case of losses, all partners shall pay for the losses in accordance to the proportion to their contributions and profits through their equity capital. These losses shall be paid within three (3) months from signing the closing of the balance statement. If a partner has already during the fiscal year paid for the company’s debt or some other liability using his/her own property, this sum will be taken into account when determining the share with which he/she is to take part in for the covering of losses.

Termination of the Agreement

All partners have the right to cancel this agreement as a result of which the agreement shall terminate three (3) months after the witnessed moment of cancellation unless other partners do not consent to terminating the operations prior to the end of the said period of notice.

At the termination of the partnership, the remaining assets after the debts have been paid shall be distributed to the partners in proportion to their contribution to the equity capital.

In the event of one or more partners leaving, to enable the partnership’s name and assets to remain, no partner shall have the right to sell their portion of the company to anyone outside of this partnership without first offering it to the other partners at a fair market value. In the event that the partnership incorporates, then he/she must make sure that the company retains at least fifty-one percent (51%) of all available stocks.

Termination of the Agreement

In the unforeseen event in a death of a partner, the partnership shall distribute the to the heir of the deceased, their share of assets and earning in accordance with the equity capital within one (1) month. After said time, each of the remaining partners must unanimously determine to continue with this agreement and reorganize accordingly.

Partnership Agreement cont.

A partner will not be permitted to appoint a replacement by will or trustee. That partner, if they so choose, can terminate their end of the agreement leaving the remaining partners to decide to continue the agreement.

This agreement has been written as five (5) identical copies, one to all partners.

Phoenix, Arizona

December ________, 1999

Signed by:

Witnessed by:

Product/Service Description

Yardsales.com is a web site in which people who are advertising yard sales can draw more customers from a larger area. It also serves as a place where shoppers can easily search for yard sales by location, date, items being sold, and by viewing pictures.

Positioning of Products/Services

The target market consists of people having yard, garage and estate sales. This is where our primary revenue will come from. We will also target shoppers who are looking for yard sales to visit (though we will make no money from this section of the market).

What we will offer is an inexpensive, simple way to advertise yard sales, and an easy way for shoppers to find yard sales by location, date, items, or pictures. People who advertise with us will be able to draw people from World Wide Web and not just the metro area. We offer more advertising space, and a longer run time for a significantly lower price. It is also considerably easier for shoppers to browse, since we only deal with yard sales.

***All ads include up to 2 weeks runtime.

Regular (includes heading, address, telephone number, date, and time)……….. $4.99

Silver (includes Regular service plus a list of items being sold)………………….. $9.99

Gold (includes Silver service and up to 4 pictures not to exceed 1 page)……… $14.99

Future Services

As we grow larger, we plan to expand our advertising area to include other cities within the state, including Prescott, Tucson, Flagstaff and Kingman, eventually spanning the entire state of Arizona. As we expand, we will broaden our advertising to include other cities’ newspapers, magazines, web sites, and television stations. The larger we grow, the more we will modify the search engine to accommodate a larger area. As we become well known, we will be able to increase our advertising packages, and therefore be able to reduce the cost of space and increase our profit margin.

Terms of Service Agreement

General

This site is owned and operated by Yardsales.com, which agrees to provide you with the computer services and information under the terms of this agreement. We may at any time change these terms, upon notice published through the service. You agree to use the service in accordance with these terms. This agreement in its entirety is between yourself and Yardsales.com and is effective until termination. Yardsales.com can terminate this agreement at any time without notice. You may terminate this agreement by refraining from using this service.

The site contains materials that are protected by copyright, trademark and other property laws. You may not modify, copy, republish, transmit or distribute in any way the material from this site unless for sole use only.

Liability

Under no circumstances shall Yardsales.com be liable for any damages that result from the use of, inability to use the website or information obtained within it. You agree that Yardsales.com is not liable for any offensive or illegal conduct of any user. If you are dissatisfied with this service, you may at any time, discontinue using the web site. If you purchase products posted in the website, Yardsales.com is not responsible in any way for the products and or services. You release Yardsales.com from any damages that may be incurred by you or others from the use of the products purchased via using the on-line search.

Yardsales.com does not scan, appraise, sell, or determine any prices set forth by the customers listed. Therefore, Yardsales.com is not responsible for the reliability of the results of the use of the information or materials by a third party user. You assume full responsibility of the merchandise/information obtained via this web site.

General cont.

Prohibited Activity

The content of your postings or transmissions by you shall not:

· Be unlawful, threatening, abusive, obscene, vulgar, pornographic, profane or indecent, or encourage criminal conduct nor shall it violate any law

· Violate the rights of others or invade their privacy

· Knowingly contain a virus or other harmful element.

· Constitute advertisement for a third party.

Any display of the following, you shall be terminated from this service and may face additional legal punishment.

You must agree to all terms above before use of this service.

Market Analysis

In The Beginning

The yard sale business has been going on for decades. It has influenced other businesses such as swap meets and consignment stores. Since the first yard sale, the market has stayed relatively the same. People would tell friends and neighbors, place an ad in the local journal, or set up posters and flyers to advertise their sale. Even today as you drive up and down the streets on any given Friday, Saturday, or Sunday you will find boxes and signs pointing to a yard sale.

Up until now, people could only say, “ Hey, we are having a yard sale here at this time and place” and nothing more without losing a fortune on advertising. The other limit is that most yard sales are put together at the last moment. Most newspapers miss valuable business because of printing restraints. If a person called up to place an ad after the printing had already started, they lost out on the opportunity to place an ad. We are about to break these boundaries.

For the first time, people have the opportunity to say and do more via the Internet all at a lower price. Before, you were restricted to so many words and a time limit to place an ad for printing in a newspaper. With the Internet, yard sales now have a larger potential for growth. Those restraints are no longer holding anyone back from advertising their yard sale.

Internet

Since its inception in 1989, the World Wide Web has been a medium to transmit data from one location to another for businesses without the need for extensive training or support. The Internet has been the fastest growing location for most businesses today. Being online has become as common as having a telephone. Most homes, apartments, and dorms are now being outfitted with separate telephone and Internet access lines. People are going “online” to get news, go shopping and find other information. Factors such as current trends with the use of personal computers at home and the growth of e-businesses ensure that customer demand will grow. For the first time, people can find items at a yard sale that they are looking for with out having to drive all over town. Customers can log on to our site and find the exact location, telephone number, or e-mail address of the yard sale/s they are looking for.

Other Yard Sale Advertisers

Right now, the only other online advertisers for yard sales are newspapers. There are no truly dedicated sites for yard sales. Newspaper agencies only offer it as a benefit for placing the ad. There are no other web sites that provide the amount of information about yard sales, in the organized manner that we have. Our site features an online search engine designed for customers to find exactly what they want and where they can get it. Since most people go from one yard sale to another until they find what exactly they want. By offering this web site, we are enhancing the yard sale market. Taking it to the next level. It will be more profitable for the average person to either advertise or search our web site than looking through newspaper and driving around town, wasting gas and money. Log on to www.Yardsales.com and find what you want. Exactly.

Competitive Analysis

Industry Overview

Yardsales.com is a new local online partnership, which will be competing with local newspapers and their web classified advertising. Yardsales.com will be one direct source of finding the location of entire city’s yard sales including address, telephone number, e-mail and pictures of items being sold. Advertisements promoting yard sales are included in every major paper across the country. The vast majorities of firms in this industry have gone on line or have plans to go on-line in the near future.

There are many firms that offer advertising through traditional print and Internet services. However, these firms also offer many other types of classified ads and products. Generally, the advertising of yard sales represents a very small fraction of their business.

Changes in the Industry

The primary change in the advertising of yard sales is the shift of forum from newsprint to on-line media. Most of the major firms that print yard sale ads are including the ads on their Internet sites. The Internet audience is growing daily and if current trends continue as predicted, newsprint will become secondary to on-line advertising.

Primary Competitors

As Yardsales.com intends to start our business locally, our main competitors will be with the local newspapers. More specifically the Pennysaver and Arizona Republic.

The Pennysaver is a weekly publication with a circulation of 85,000 published both locally and nationally. This paper advertises for many companies and products and is delivered through mass mailings. Their current rate for a yard sale ad is $15.00 for four lines. Currently the Pennysaver does not have a web site.

Our largest competitor in Arizona will be the Arizona Republic. This is the largest newspaper in Arizona and the 12^th largest in the United States. The Republic is published daily and currently sold at over 6,300 locations and delivered by more than 2,200 carriers to subscriber’s everyday. The rate for a 4-line yard sale advertisement for 4 days in the Republic is $21. Included in this price is the same ad being posted for the same dates on the Republic’s web site.

Competitive Services

The Arizona Republic and Pennysaver offer basic yard sale ads with four lines of black and white print. Yardsales.com will not only allow advertisers to post this basic information (dates and locations) but allow for lists and photos of available merchandise. Another feature Yardsales.com offers are very specific search engines, so that potential buyers do not have to read and search through ads that are of no interest to them.

Opportunities

While the competition is well established, it does not specifically concentrate on the advertisement of yard sales. As this will be Yardsales.com only focus, we will pursue the market much more aggressively.

By using the far-reaching visual capabilities and low cost of the Internet, coupled with sophisticated search capabilities, Yardsales.com proposes to challenge users old habits and break the lock on yard sale ads traditionally held by newspapers.

Competitive Analysis

There are no Internet based classifieds in Arizona that only advertises yard/garage/estate sales. This is to our advantage. Furthermore, there are no companies that offer classifieds ads with picture space. Competition will be from local newspapers, magazines and other online classifieds. Our main competitor will be from the Arizona Republic since they have such a large customer base.

Strategy

S.W.O.T. Analysis

Strengths

Our main strength is our cost effectiveness. Because we are small and have a low overhead, we have the ability to offer low prices for our web space advertisements. We strength ourselves even more by having lower prices and more space than printed ads. As you know, our competitors only print their ads and have no way to fix them if they are incorrect. We offer this flexibility.

We have planned for growth nationally. Most newspapers are only concerned about their publication area. By having the possibility of this type of expansion, we increase the threat to their business through size potential.

Finally, we have established ourselves by our name alone. When people think of yard sales, they will direct their computers to our domain. The name says it all.

Weaknesses

Our primary weakness is trust in the Internet community. Although it is slowly turning around through new advances in encryption, many people are still cautious about buying or signing up for anything online. However, this weakness will soon be a strength, with the growing popularity of online auctions (i.e. ebay.com and egghead.com)

Our competition has already established credibility through their publications. They have the tools and systems needed to put us out of business before we can expand.

Lastly, we realize that not all cities have yard sales all the time. Most cities that get snow do not have yard sales until the weather gets better.

Opportunities

As our competitors have done, we have the ability to expand and offer advertisements for other services (i.e. Pets, cars, appliances, furniture, etc.). The only difference being, we would do it bigger and better. We have the ability to show pictures, increased verbiage, and a target audience for items listed. We have the ability to bring people together from all over the world. We even see the possibility of hosting a virtual yard sale.

S.W.O.T. Analysis cont.

Threats

Our biggest threats are having our competitors eliminate our business by establishing the same type of service, being sued and being bought out by them. The Arizona Republic already has a web site with their classifieds posted. If we are unable to get a jump on them, then our chances of survival are reduced.

We understand the need to protect our own assets. Although we do not anticipate any lawsuits, the possibility exists. After we establish the business, we plan on incorporating to protect ourselves from greater losses. Once incorporated, we will hold 100% of its stocks divided equally according to each shareholders’ investments. As per our partnership agreement, we will retain greater than a 51% market share if we go public.

General

Yardsales.com’s strategy is to concentrate solely on the yard, garage, and estate sales market. By focusing all of our resources in this one area, we will be able to quickly build, maintain and expand as a leader for online advertising. As most of our competitors split their resources and energy focusing on many markets, we hope to corner our single market.

By offering a site that is easy to navigate, provides excellent customer service and all at a low price, we hope to build a steady clientele of both yard sale advertisers and shoppers alike. In addition, we will offer more features such as color photos and more space at a lower price than our competitors charge. Essentially the consumer will get more bang for their buck.

Local & National

Since we are the first to dedicate ourselves to this type of product, we start ahead with name association as an asset. When people think of yard sales, they will go to yardsales.com. We will begin by attacking the Phoenix metropolitan area with our marketing strategy due to the amount of business generated from yard sales there. We predict slow growth for the first few months until we can establish a name for ourselves. After establishing yardsales.com locally, our profits would then allow us to increase our coverage area to incorporate other cities as business demands. We realize that during the winter, cities that get snow do not have very many yard sales. For this reason, we will be advertising temperate cities all year round while only focusing on the colder cities during the warmer months.

Marketing and Sales

Advertising

Strategy

Our strategy comes in two parts:

1. Entice people to advertise their yard sale on our site rather than through our competitors or their own means.

2. Establish credibility by having multiple listings for locations and items searched for.

As shown in the diagram, if we have enough people advertising their yard sale, we will establish ourselves as a credible source for yard sale information. If we can do this then other web sites will want to advertise on our site.

Other Web Sites

People looking for yard sales

Yard sale hosts

To become the largest, most easily accessible database for listings of area yard/garage/estate sales, we will be offering the lowest rates for the most amounts of space, coverage areas, and user friendliness.

To have the only yard sale based classifieds while being the most easily accessible and user friendly yard sale database (thereby drawing the largest number of shoppers.

Advertising cont.

The advertising will be done by the following: links from other web sites, ads in other publications such as the New Times, AZ Highways, etc., billboards, business cards, flyers, stickers or magnets on our cars. Other methods include posting cardboard signs on the streets with the URL on it, and going to yard sales to talk with the people having the sale.

Yardsales.com’s intended customers will be the local city residents who will be advertising their yard sale. Furthermore, Yardsales.com will be providing web space for advertising for major companies such as yahoo, ebay, amazone.com, etc. Customer can log on the site and find what they exactly looking for. Yardsales.com will be a user-friendly site with search engines that sort data by location, zip, city, address and what items are sold in that area.

By being the first local yard sale advertiser online, Yardsales.com will enjoy the first-mover advantages of name recognition and customer loyalty.

Operations

Key Personnel:

President and CEO

Chief Operations Officer

Chief Financial Officer

Executive VP of Internet Technologies

Executive VP of Marketing

Organizational Structure

President and CEO

Executive VP of Internet Technologies

Chief Operations Officer

Chief Financial Officer

Executive VP of Marketing

Human Resources Plan

Responsibilities:

President and CEO: To ensure a profitable return of initial investment through management of partnership’s primary resources and create the necessary plans in meeting our short term and long term goals. At any time, if there is indecision among the other officers it will be up to the President to determine the final course of action. If a majority of other officers disagree with a decision made by the President then they will have the power to overrule his/her decision. Also cosigner for all expenses.

Chief Operations Officer: Primary responsibility is to maintain that our customers get premium internet service by identifying their concerns, resolving their differences and creating new ideas to make the web site more user friendly. Secondly, to act as a liaison between each department heads in solving problems between divisions. Can also serve as a cosigner for all expenses

Chief Financial Officer: Responsible for making a monthly expense report, keeping a ledger of all transactions and determining where cost savings can be applied to maximize profits. Will be the primary signer for all checks and ensure all bills paid.

Executive VP of Internet Technologies: Liable for system reliability and performance to ensure proper function to the end user. Must ensure proper security to prevent possible tampering and fraud within the web site/s.

Executive VP of Marketing: Responsible for creating a marketing plan that is both cost effective and reliable. Must ensure that we become both locally and nationally recognized according to our strategic goals.

Hiring Process:

In the beginning, we have delegated each responsibility to each officer. As the partnership emerges, we may evaluate the need for other positions to be filled. Some possible positions might include personnel for customer service, administrative assistants, credit card specialists, web designers, and/or accountants. Each department head will be responsible for the selection process of potential candidates. They will create a structured plan of requirements for the hiring and termination of future employees. A majority of all department heads needs to approve possible positions and salaries to ensure fairness to all departments.

Product Service and Delivery

Our product would be a forum that would allow people having yard sales to be able to promote their location, items being offered and telephone number to those people looking for items generally found at a yard sale. We would categorize yard sales by location and/or items for sale to facilitate the buying process for the end consumer. We would also provide additional services to the host of the yard sale such as specific items for sale, photos and other requests to maximize their exposure to the consumer. Our site will be easy to understand for even the most basic user and sophisticated enough to provide state of the art graphics and displays. We will have an on line help guide if questions arise while logged on and direct correspondence via email if difficulties still exist. The diagram below shows how we would serve our visitors

Customer Service Delivery

Our Chief Operations Officer will head up customer service delivery by taking charge of any customer service issues by resolving concerns and delegating solutions accordingly. We would provide online assistance, contract arrangements, email or telephone contact to solve potential problems.

Customer Service Delivery cont.

The following diagram demonstrates how a concern or dispute would be resolved. If a customer emails or calls the Chief Operations Officer, he will negotiate the best alternative and delegate the response to the correct department.

	Customer with Problems
	Chief Operations Officer
VP of Internet Technologies Technical difficulties or misprints		Chief Financial Officer Refunds, credits, under/overbillings

Facilities

Virtual Office:

Since www.yardsales.com will be e-commerce, we have decided to create a virtual office providing an alternative work arrangement (A.W.A.) for the officers and possibly future employees. With a start up company, we realize that the highest costs aside from salaries are rent and utilities. By eliminating those two factors, we eliminate most of the cost involved with owning or renting a building.

We plan to allow our officers the flexibility to perform other jobs while still being able to perform their responsibilities from any location. We plan on setting up the servers within the home of the Executive VP of Internet Technologies with access provided for all officers to access and review via email and phone connections. Meetings will be scheduled on weekly basis at any designated location. This, in theory, would be beneficial to the board members by saving them money and time they would otherwise lose driving to and from a separate office. All partners would be able to work from their home or office using A.W.A. through email, telephone calls, and weekly board meetings.

Financials

Assumptions and Comments

We realize that the first few months will show large expenditures for equipment and marketing costs, causing our balance sheet to show a negative income. As previously mentioned through our virtual office, our operating costs will be low to allow time for us to grow in size and strength. It is expected that as knowledge of our product increases, income from advertising yard sales will increase equally. The more people we have advertising yard sales the more “hits” our web site will have. By expanding the amount of “hits” the site has, you augment the advertising value for the site and income received by advertising other web sites. Profit then becomes exponential.

Starting Balance Sheet

The cost to enter the market estimated at about $21,000. As the business grows, the cost to maintain and run the business will grow as well. We are expecting some loss at the beginning but once market knowledge of our service picks up, there will be tremendous profit. Yardsales.com will start with a balance of $21,000.00 from investments received from each of the partners. Most of our start up capital will be spent on the costs involved with purchasing computer equipment, Internet services, advertising through various mediums, and any other possible start up costs. As our startup balance sheet reflects, most of our first months balance will be directed towards computer equipment, all subsequent months will be primarily directed toward achieving our marketing goals.

Starting Balance Sheet cont.

Profit and Loss Projection

In a market where yard sales are generally put together at the last moment, we understand the risk involved with putting this type of web site online. In order to reduce the risk, we have eliminated most of the costs involved with building maintenance and salaries.

We expect to be generating a profitable return after twelve months of service. As previously mentioned, yard sales occur at the last moment. If we can not establish the following principles in our customers’ minds, we will fail.

· Instill belief that the yard sale host needs to advertise their yard sale on our site to yield them higher profits.

· Make our site easy to find and interact with.

· Allow people looking for yard sales to find multiple listings for yard sales close to them or items they were looking for.

· Expand as soon as possible

As long as we can overcome these obstacles yardsales.com should become a strong member of the Internet community.

The following graph shows projected profits and losses based on certain criteria. First, losses are expected until we establish our name in Arizona and expand nationally. The first graph represents initial losses if we are unable to expand.

Profit and Loss Projection cont.

The next graph show projections forYardsales.com if it were to go national after establishing itself. With this graph, we must include regional information. Research shows that people will not have or go to yard sales if it is either too hot or too cold. Therefore, the graph includes criteria that shows that during the winter we will expect activity from 14% of the country, during the spring and fall we expect 50% activity, and during the summer months 90% activity. Lastly, the information in the graph is based on each state having three major metropolises. It is understood that this is an average of all cities in all states more or less.

Information provided is based on the following estimates per month:

Monthly	Basic Service	Silver Service	Gold Service
Excellent	120 Ads	60 Ads	20 Ads
Good	80 Ads	40 Ads	8 Ads
Moderate	40 Ads	20 Ads	4 Ads
Low	20 Ads	4 Ads	0 Ads

Cash Flow Projection

As seen from the previous charts, the real possibility of becoming profitable is endless. With that possibility, we need to plan for the disbursement of those profits. Therefore, we have identified five main areas to allocate the funds: Web site and computer maintenance, advertising, operational expenses, expansion, and returns on the investment for the partners or shareholders.

Web Site and Computer maintenance

Since the site is what generates our business, it is only logical that it becomes a priority. We plan to allocate a fixed amount of money each month to the development and upgrades to our web site. This includes the cost to maintain the site on the World Wide Web, programs to run the server, and upgrade expenses. As our server came off the production line, it had already become outdated. That is why we will establish a fund to pay for those upgrades in the future once we turn a profit.

Advertising

Having a web site will mean nothing if nobody visits it. That is why advertising is the second most important area for our business. Once operational we are planning start-up costs to be around $1300.00 to $1500.00. This figure expected to increase as additional funds are made available from increased profits. We expect to be able to support between 15% and 25% of our profits on advertising.

Operational expenses

This area relates to fixed costs for running the business. Currently, we only expect to have business licenses and utilities as operational expenses. As we increase the size of the business, we also increase the costs to run it. Those items will also be included in this section.

Expansion

We are already planning for expansion. Our plan includes incorporating, increasing service area, opening a regional office, reinvesting in the company, etc. In order to meet these goals we must set aside funds for future needs. The goal is to allocate 20% or more for future expansion.

Cash Flow Projection cont.

Returns on Investment

Initially, if any profits are left over, they will be given back to the partnership as salary for their time and investment. As the business grows, those salaries will be included as an operational expense and dividends may be given out to shareholders indicating a solid future.

The following graph reflects the total yearly allotment of profits based on a moderate return nationally:

Ratios

Solvency Ratios

In the event that the business does not do well, it may be necessary to liquidate our capital and close the business. The following ratios will show how we currently rate in that event. The ratios are based on the information posted on our Balance Sheet.

Current Ratio:

$9,153.00/$2,350.00 = 3.89

Working Capital:

$9,153.00-$2,350.00 = $ 6,803.00

Debt Ratio:

$0/$21,000 = 0%

Profitability Ratios

Here is where we show an estimated profitability for our business. Information is based from the moderate estimates on the National 2001 chart.

Net Income:

$407,222.64-$119,825.66 = $287,396.98 yearly.

Return on Investment:

$287,396.98/$21,000.00 = 13.68% yearly.

Analysis

As seen in the solvency ratio we have zero debt due to no outside loans for the business and approximately $6,803.00 in working capital for the second month. The current ratio of 3.89 shows that we would be considered a risky business to make a loan to. That is because the current ratio does not include any income that might come in and reflects all cash being applied towards liabilities. Once revenues are obtained, the business will have a lower ratio. With most investments, the riskier they are the higher the return. Based on the moderate estimates, Yardsales.com would be able to produce a return on investment of approximately 13.7%. That is why Yardsales.com is a good investment.